HDFC Ergo Claim - 6 Months Mental Harassment
My father undervent liver surgery due to cancer detection in gall bladder which was removed due to stone last year October. We filed for reimbursement claim later and the process has been sort of mental harassment with HDFC ERGO.
They have been asking all documents for diabetes, fatty lever and high BP with first consultation paper and diagnosis. While we provided the prescription from treating doctor mentioning these ailments but they keep asking for same things like a bot reply.
While diabetes was declared during insurance purchase 7 years ago. we don't have the first consultation paper for high bp and fatter liver detected later. We have lab reports and prescriptions around surgery time.
The documents they have been asking has no relevance to surgery done.
They send 5-6 reminders, we share our grievance and then reminder count resets to 1. No clear communication and same repeated mails. Customer care is a joke as it is AI bot driven, takes lot of time to connect to human support and everytime we have to explain the problem from beginning. Tickets gets created and then no update. Follow up on ticket over mail does not work and they create another ticket.
Complained to IRDAI as well. No resolution.
Extremely bad experience. Paid premiums for years and end up having to face such issue where claim is neither rejected, nor getting processed.
How to proceed ? Going to court and fighting this will be another mental agony.